John,
Katie knows that you cannot use PayPal. Her question is "why not?". You have utterly and completely failed to answer her question or even to acknowledge it as a limitation. Let me help you compose a response. It should begin:

"We are not accepting paypal payments because..." and then you write something that says why you only take ACH transfer and not paypal.

It is deeply deeply frustrating to me when companies dodge or ignore simple questions. Please do not continue to do that.